St. Louis Community Credit Union has created this privacy statement in order to demonstrate our firm commitment to safeguarding the privacy of our members and other consumers who provide us with nonpublic personal information.
Information we collect about you
We collect nonpublic personal information about our members and other consumers only for lawful business purposes, or as otherwise required by applicable law. The categories of nonpublic personal information, which we collect from you, are as follows:
Information we receive from you. Examples of such information would include, but not be limited t information you provide on applications to become a member or applications to obtain loans or other financial products and services.
Information about your transactions with us or our affiliates. Examples of such information would include, but not be limited t (1) account balance information, payment history, overdraft history, and debit card purchase information, and (2) the fact that you are, or have been, one of our members or have obtained a financial product or service from us.
Information about your transactions with nonaffiliated third parties. Examples of such information might include, but would not be limited to, information, which we or our agents obtain in compliance with the Fair Credit Reporting Act and other applicable law. Such information might be obtained for the purpose of collecting on loans or for other reasons.
Information from a consumer reporting agency. Examples of this would include the information listed on your credit report.
Member Information We Share with Others
We may disclose nonpublic personal information about you that we collect as described above to the following types of third parties: Financial service providers, such as dealers and insurance agents to administer products and services we provide or as permitted by law. Companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. Companies requesting verification of the existence and conditions of accounts. We follow standard banking industry practices and applicable laws, and we limit the information we provide to what is necessary to accurately represent your relationship with us. We do not disclose any nonpublic personal information about our former members to anyone, except as permitted by law. St. Louis Community does not disclose or sell member information to telemarketing companies.
St. Louis Community Credit Union may enter into other strategic alliances with financial service companies in the future to improve our ability to offer competitive products and services to our members. Any future alliance that includes sharing personal information will follow the privacy practices described in this notice.
Information Security Practices
We take reasonable precautions to protect nonpublic personal information that members, former members, and other consumers provide to us. We restrict access to nonpublic personal information t (1) our employees, (2) employees of our affiliates, and (3) the nonaffiliated third parties identified above who need to know that information in order to provide products or services to you, to collect delinquencies, or to otherwise appropriately deal with your accounts. We also maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information.
Notices and Joint Relationships
Except where expressly required by applicable law, we will provide all notices to the member who is listed first on the account. Notices will be mailed to the address on the account. If the member has agreed to receive notices and disclosures electronically, then we may send all such notices and notifications to the email or Internet address provided by such member. All joint owners, borrowers, and guarantors agree to the receipt and sufficiency of any notice or notification sent in accordance with the terms of this paragraph.
Opting Out
If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to nonaffiliated third parties, you may contact us at: 314-534-7610.
